ST CHARLES, MO
4 risk indicators measuring financial stability and operational resilience
Sign in with your work email to view Tuckman-Chang indicators
Sign In — Free (10 views/day)THE TRAVELERS PROTECTIVE ASSOCIATION OF AMERICA, founded in 1890, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2025. Expenses of $1.6M exceeded revenue, resulting in a 54% operating deficit.
TO PROVIDE A VENUE FOR FELLOWSHIP AND ALTRUSTIC SERVICE, ACCIDENTAL INJURY BENEFITS TO MEMBERS AND THEIR BENEFICIARIES; FOR PERSONAL GROWTH THROUGH NETWORKING; ORGANIZATIONAL OPPORTUNITIES; FINANCIAL AID ASSISTANCE TO DEAF AND HARD OF HEARING PERSONS THAT ARE RESIDENTS OF THE UNITED STATES THROUGH THE CHARITABLE ARM OF THE ASSOCIATION; LEADING AND EDUCATING COMMUNITIES ON CHILD AND SAFETY ISSUES.
THE TRAVELERS PROTECTIVE ASSOCIATION OF AMERICA IS AN ACCIDENTAL INJURY ONLY BENEFIT SOCIETY SERVING APPROXIMATELY 10,388 MEMBERS. PROGRAM SERVICES INCLUDE $ 137,120 FOR BENEFITS PAID TO MEMBERS FOR...
THE TRAVELERS PROTECTIVE ASSOCIATION OF AMERICA IS AN ACCIDENTAL INJURY ONLY BENEFIT SOCIETY SERVING APPROXIMATELY 10,388 MEMBERS. PROGRAM SERVICES INCLUDE $ 137,120 FOR BENEFITS PAID TO MEMBERS FOR ACCIDENTAL INJURY AND-OR DEATH BENEFITS. THE REMAINING EXPENSES COVER OPERATIONAL EXPENSES. REVENUE IS DERIVED FROM A PORTION OF DUES PAID BY MEMBERS AND INCOME EARNED ON INVESTMENTS.
THE SAFETY PROGRAM PROVIDES SAFETY MATERIALS FOR DISTRIBUTION AT COST FOR MEMBERS AT COMMUNITY SAFETY EVENTS. OUR POSTS (LODGES) ORDER MATERIAL FROM US AT OR BELOW COST FOR THEIR PROGRAMS. ALL...
THE SAFETY PROGRAM PROVIDES SAFETY MATERIALS FOR DISTRIBUTION AT COST FOR MEMBERS AT COMMUNITY SAFETY EVENTS. OUR POSTS (LODGES) ORDER MATERIAL FROM US AT OR BELOW COST FOR THEIR PROGRAMS. ALL LEAFLETS AND BROCHURES ARE PRINTED IN-HOUSE AS A PART OF THE DUTIES OF OUR PERSONNEL. SOME ITEMS SUCH AS BUMPER STICKERS ARE OUT SOURCED AND ARE AVAILABLE AT COST TO OUR POSTS (LODGES). EXPENSES INCLUDE COSTS FOR MATERIALS AND AN ANNUAL ALLOWANCE FOR SAFETY CHAIRS IN ATTENDING THE ASSOCIATION'S ANNUAL MEETING.
COMMUNITY SERVICE IS A PROGRAM WITHIN THE COMMUNITY IN WHICH OUR POSTS ARE LOCATED. MEMBERS PROMOTE VOLUNTEER SERVICES IN THE COMMUNITY SUCH AS DRIVING ELDERLY TO THE STORE AND DOCTOR APPOINTMENTS...
COMMUNITY SERVICE IS A PROGRAM WITHIN THE COMMUNITY IN WHICH OUR POSTS ARE LOCATED. MEMBERS PROMOTE VOLUNTEER SERVICES IN THE COMMUNITY SUCH AS DRIVING ELDERLY TO THE STORE AND DOCTOR APPOINTMENTS; ASSISTING SHUT-INS WITH MEALS, REPAIRS ON THE HOME, MOWING GRASS OR SHOVELING SNOW; PARTICIPATING IN MEALS ON WHEELS, FOOD DRIVES, BLOOD DRIVES, OR VISITS TO SENIOR CENTERS. COMMUNITY SERVICE CHAIRS RECEIVE AN ALLOWANCE FOR ATTENDING THE ANNUAL MEETING.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
Sign in to view Trantor Score and financial metrics
Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $1,057,213 | $1,010,934 | +0.0% |
| Expenses | $1,631,000 | $1,478,825 | +0.1% |
| Net Income | $-573,787 | $-467,891 | +0.2% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
Sign in to view all financial metrics
Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| JULIE KUPPER | PRESIDENT | 1.00 |
Officer
Director
|
$1,875 | $0 | $1,875 |
| KAY AYCOCK | DIRECTOR | 1.00 |
Director
|
$225 | $0 | $225 |
| DEAN COSTELLO | DIRECTOR | 1.00 |
Director
|
$225 | $0 | $225 |
| ALFRED MOORE JR | DIRECTOR | 1.00 |
Director
|
$225 | $0 | $225 |
| THOMAS DAVIS | DIRECTOR | 1.00 |
Director
|
$225 | $0 | $225 |
| BRADLEY CUNNINGHAM | VICE PRESIDENT | 1.00 |
Officer
Director
|
$75 | $0 | $75 |
| ROLLIN MILLS | DIRECTOR | 1.00 |
Director
|
$225 | $0 | $225 |
| JOHN J CHMIELEWSKI | DIRECTOR | 1.00 |
Director
|
$150 | $0 | $150 |
| WAYNE WARNECKE | DIRECTOR | 1.00 |
Director
|
$225 | $0 | $225 |
| ED MILLER | DIRECTOR | 1.00 |
Director
|
$150 | $0 | $150 |
| RICHARD MARTIN | VICE PRESIDENT | 1.00 |
Officer
Director
|
$150 | $0 | $150 |
| ROBERT L SCHAPP JR | CHIEF ADMINISTRATIVE OFFIC | 34.00 |
Officer
|
$115,633 | $312 | $115,945 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $1,057,213 | $1,631,000 | $11,529,786 | $-573,787 |
| 2024 | No data | No data | No data | No data |
| 2023 | $936,814 | $1,797,170 | $12,448,939 | $-860,356 |
| 2022 | $906,933 | $1,272,081 | $13,263,683 | $-365,148 |
| 2021 | $1,188,832 | $1,310,980 | $13,980,898 | $-122,148 |
| 2020 | $931,628 | $1,212,510 | $13,872,870 | $-280,882 |
| 2019 | $1,418,362 | $1,332,019 | $14,305,816 | $86,343 |
| 2018 | $1,181,162 | $1,504,715 | $14,171,159 | $-323,553 |
Compare THE TRAVELERS PROTECTIVE ASSOCIATION OF AMERICA with other nonprofits in Missouri and across the country.